| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $77K | — | $77K | 12.50% |
| J R PREWITT & ASSOCIATES INC3 Filed as: J R PREWITT AND ASSOCIATES | 2146 HIGHLAND AVENUE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $40K | — | $40K | 6.50% |
| SURETY MARKETING3 | 4246 CLUB COURSE DRIVE N CHARLESTON, SC 29420 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $31K | — | $31K | 5.00% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| J R PREWITT & ASSOCIATES INC3 Filed as: J R PREWITT AND ASSOC | P O BOX 55088 BIRMINGHAM, AL 35255 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 15.38% |
| J R PREWITT & ASSOCIATES INC3 Filed as: J R PREWITT AND ASSOCIATES INC | 2146 HIGHLAND AVENUE BIRMINGHAM, AL 35205 | EYEMED VISION CARE | $4K | — | $4K | 9.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 ADMIN SERVICES | Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $26K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 704 | $3.0M |
| Vision | EYEMED VISION CARE | 659 | $41K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $302K |
| Short-term disability | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 378 | $613K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $302K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 704 | $3.0M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 704 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.